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I received a letter from this Rannefeld & Associates stating that I owed $952.78 for a credit one credit card. I sent them a fax yesterday stating that I wanted validation of this debt. I received a phone call from this Ken Chandler, he said that since I acknowledged having the credit card that they were not required to send me validation but that he would fax it to me at my home number. He stated that they are not a collection agency that they are a lawfirm out of Addison Texas and are collecting for CACH LLC, for a credit one credit card that I had. I never received anything from this CACH LLc place and wanted verification of this debt. He said they are lawfirm and therefore do not have to abide by the rules of a cease and desist order. He told me I needed to borrow the money from friends/family to pay this debt. I faxed them a debt verification letter and he stated since I had admitted that I owed this debt they did not have to provide it but was going to fax it to me later today. I have received nothing. He told me to contact a lawyer and since I had declared bankruptcy 3 years ago that I couldn't do it again. I asked him if he was looking at my credit report and he basically said yes. He said that by looking at my credit they wouldn't give me a loan. Well that's good since I wasn't asking to borrow money from them. All I wanted was verification of this debt. He stated that this was just a stall tactic. He also tated that I was paying on another loan and that I needed to pay this account. I stated that I was going to be working with a debt management company and he said they don't work with them. He told me that if I could get him the money this month that perhaps his client would settle for 80% of the debt. Right I now that they are bad debt buyers. He kept telling me I needed to contact an attorney and that they were going to sue me. I told him I am on disability and my benefits are exempt from attachment. He stated that I was wrong. I told him maybe he should study the law a little better if he works for a law firm and learn what they can and can't do. I know they can't attach anything to my social security disability payments. What should I do?

ladybug :twisted:

superfly you might want to call back if there threating action which is legal in most states you could end up with a civil judgement and from that judgement they can garnish your wages pull money from your bank or place liens against your property of course depends on what state you live in and if you think its not real might want to chk out what mr hibbs says about judgements

Sub: #41 posted on Thu, 08/16/2007 - 09:11


Does anyone have Rannefelds 866 phone number ?
Bozo just called and left 9 didgits instead of 10

Sub: #42 posted on Mon, 08/27/2007 - 17:28



Sub: #43 posted on Mon, 08/27/2007 - 17:54


"hope you debtors are as cease and desist happy when your faced with a civil judgement and have your paychecks garnished and bank accts emptied due to non-payment of your debt know thats when you lose your hard earn money for failing to do the right thing and pay your bill"

Is the comment left by a frightened guest, a run-on sentence, or what?

Sub: #44 posted on Mon, 08/27/2007 - 18:02

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

I started this thread and I am going to finish it. Mr/Ms. Procollect I would hope that you would have something better to do with your life then to sit around and judge people that you know nothing about.

Everyone on this board is not trying to dodge their bills, we acknowledge that we owe bills, we just want validation, NOT VERIFICATION of a debt that is owed. :lol: As I am sure if someone were to send you a letter stating that you owe them thousands of dollars what would you do. I am sure that you wouldn't just take them at their word and if you did then you are as not as smart as you think you are. :roll: I suggest that you read up on the fair debt collections act and practice what you are so good at preaching. :twisted:


Sub: #45 posted on Mon, 08/27/2007 - 19:51

ladybug ladybug

(Posts: 2757 | Credits: )

is a past due bill validation, cuz thats what i recieved.

Sub: #46 posted on Mon, 08/27/2007 - 19:59

d2dtk d2dtk

(Posts: 152 | Credits: )

I don't think that would be considered validation. It doesn't give you any pertinent information such as any dates does it?

Probably not is what I am guess. Hang tight someone will be along shortly to assist you.


Sub: #47 posted on Fri, 08/31/2007 - 14:18

ladybug ladybug

(Posts: 2757 | Credits: )

A statement can be validation under certain conditions.
Does the statement originate from original creditor and is the balance on statement the same as balance being collected?

ladybug I replied to your bbb post.I think you should keep the complaint open and call them out on their lies and submit your docs directly to the bbb showing proof.

Sub: #48 posted on Fri, 08/31/2007 - 14:22

cajunbulldog cajunbulldog
(Posts: 4857 | Credits: )

I did just that Cajun, I am not accepting Mr. Blue Rannefeld's response it is full of sh***. So we will see what the BBB does next in regards to this information.

I have all of the documentation that was sent and received by them 8) . I can hardly wait :twisted: . I say bring it on :twisted: Although I am pretty sure they aren't going to bothering me again.


Sub: #49 posted on Sat, 09/01/2007 - 15:06

ladybug ladybug

(Posts: 2757 | Credits: )

OMG!! OMG!! Was there a bit of a 'fight' (lack of a better word), going on, on this thread??!! I read the last 6 or 7 posts, in this thread. WOW!! Some people can be so rude. What was his name..."Procollector"?? My goodness. People, that responded, sure put up a good fight with this guy.

Sub: #50 posted on Sat, 09/01/2007 - 18:21

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: )

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